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Speed up your home loan repayments with our incredible plans.
Best deals from 25+ lenders under one umbrella
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Top Banks & NBFC sin one place
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Proven Strategies
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Don't Just Take a Loan, Design a Strategy.
Competitive Rates
Starting at 7.10%*.
Top-up Advantage
Optimize your loan portfolio.
Upfront Savings
NIL* processing charges.
Overdraft Optimization
Park surplus funds to reduce interest.
Improved Efficiency
Rates linked to Repo Rates.
Daily Interest Calculation
Interest calculated on the actual balance daily.
Online Prepayment Facility
Save time, save efforts, save interest.
Ease EMI Burden
Tenure upto the age of 75 years*.
NIL Prepayment Charges
Savings unlimited.
Flexible Repayment Options
Better cashflow management.
Why Home Buyers are seeking
Mind Your Savings?
Juggling between multiple banks exploring deals, understanding their products & policies and chasing them for updates often becomes overwhelming for home buyers.
In Mind Your Savings, we handle it all for them.
With over 25+ lenders on our panel, we curate loan deals that ensure maximum loan eligibility, lowest ROI, better products, repo-rate linked loans and the flexible tenure structures that collectively keep your EMI low and lower your interest burden.
In short, we do all the work that you are obligated to do for yourself
More than endorsing products, we promote financial management.
To protect home buyers from potential mis-selling & financial mismanagement, our team of loan experts hand-holds them not only during decision-making but also during execution.
We dive deeper into fact-finding, analyzing your finances holistically and picking the deal that aligns with your finances.
Factors like which lender to choose, the product you must pick, the EMI date you must select, the tenure you must opt for, and more, we cover everything.
At every stage of your loan journey, you are bound to face technical queries.
We, during each of these stages, will become your trusted financial advisor and ensure that all of your queries are promptly addressed & resolved.
So, every critical move that you make is backed by an expert advice and not random opinions.
Your data privacy is our priority.
Limiting your credit enquiries, maintaining data confidentiality and safeguarding you from all sorts of financial risk remains our primary responsibility while processing your sensitive information and confidential documents.
We process your financial data & documents under an extremely secure and restricted environment, thus minimising the risk of data leak.
Our commitment to stand as your trusted financial advisor remains even after your loan disbursement.
Guiding you continuously on various techniques to save interest, helping you stay updated with the latest market developments and providing you with unbiased financial guidance is a commitment that we care to live by for years ahead.
Per Lac EMI Chart - Know Your Numbers
Tenure
EMI
ROI (Indicative)
5 Years
₹1,985/-
7.10%*
10 Years
₹1,166/-
7.10%*
15 Years
₹904/-
7.10%*
20 Years
₹781/-
7.10%*
25 Years
₹713/-
7.10%*
30 Years
₹672/-
7.10%*
Mr. Devang Agrawal
Founder at Mind Your Savings
With over 20 years of experience in the banking sector, Devang has developed a deep understanding of mortgage loans and real estate transactions. He has worked closely with numerous developers and the credit teams of leading Banks & HFCs to understand their policies and processes.
He also worked closely with many individuals and families in understanding their requirements, pain points and crafting a customised plan that aligns their financial goals. As an active BNI member, he strongly believes in building long-term relationships and guiding clients with the right financial decisions. Devang’s approach is simple and practical — making home loans easy to understand, transparent, and tailored to each client’s needs.
Key financial calculations for new and existing home buyers.
Trusted Home Loan Solutions, Proven Results
Instant Home Loan Tools & Resources
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Whether You're Buying New or Managing a Loan — We've Got Answers
Any government-issued documents like an adhaar card, passport etc. are considered as a valid address proof.
Alternatively, you can also provide utility bills like electricity bill, fixed landline bill, gas bill or registered rent agreement etc.
If nothing is available, you can provide a letter from your employer as well or submit a notarized affidavit.
Tax benefit on principal repayment is available under section 80C during pre as well as post-construction phases.
The benefit of interest payment under section 24B; however, can be claimed only after the construction is fully completed and the occupancy certificate is obtained.
When you add your spouse to a loan, you can club his/her income and enhance your loan eligibility.
Also, both of you can individually avail of tax benefits under various sections and share the responsibility of paying the EMI.
However, if you want to add your spouse to the loan and avail all benefits, you must make him/her a joint owner in the property ownership as well.
Yes, there are many ways by which you can lower your loan
EMIs.
Extending the loan tenure, availing loan moratorium facility, consolidating
loans into one, getting the loan restructured etc. are some of the most
common methods by which you can lower your loan EMIs.
Not at all. This is the most common myth amongst most home
loan borrowers.
Your repayment cycle will continue to remain the same, provided your
residual loan tenure, amount and ROI remain unchanged too.
You can avail a home loan for a minimum tenure of 5 years to 30
years.
The loan, however, should be paid off before you achieve the age of 70.
Home loan overdraft account allows you to park all your savings
into your loan account temporarily and helps you save upto 100% of your
home loan interest without making prepayments.
So, why lose an opportunity to save?
No. Top-up loans do not qualify for tax benefits.
Tax benefit on principal repayment is available under section 80C
during the pre as well as post-construction phases.
The benefit of interest payment under section 24B; however, can be
claimed only after the construction is fully completed and the occupancy
certificate is obtained.
Loan repayment can save you a maximum of 9%-10% annually.
Investing the same amount can grow beyond 12% p.a. or even more.
Of course, there is some element of risk involved. However, prioritizing
investments can ease your financial burden on retirement and for other
financial goals. The compounding factor also plays an important role
here.
Moreover, a home loan offers many more benefits in the long run. For
deeper insights, drop us a WhatsApp.
Yes, you can. You can consolidate all your high-EMI loans with
the home loan top-up facility.
This will lower your monthly obligations which will eventually empower
you to invest more for future financial goals.
Consider paying off the loan that carries the highest rate of
interest or the highest EMI first, based on your circumstances and
financial priorities.
For this, you can avail a top-up at a low rate and lower the balance of
your credit card and all other expensive loans.
You can consider availing a top-up loan for building an
emergency fund and park it in the overdraft account for unexpected
events or unaccounted expenses.
God forbid, if the crisis strikes, you may not be able to exercise this option
later.